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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $43,465 |
M HOLDINGS SECURITIES INC5+ years Service code 49 · EIN 91-1802259 | Other Services | $12,504 |
WILSHIRE ASSOCIATES INCORPORATED5+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,461 | $65,027-10.1% | $90,970-35.7% | $79,852-26.8% |
| Participation rate | 67.6% | 61.6%+6.0pp | 69.0%-1.4pp | 69.6%-2.0pp |
| Annual return | -49.11% | 30.45%-79.6pp | 134.58%-183.7pp | 31.72%-80.8pp |
| Employer contribution / active EE | $932 | $1,247-25.3% | $2,122-56.1% | $2,471-62.3% |
| Participant deferral / active EE | $12,808 | $2,512+409.9% | $3,373+279.7% | $3,740+242.4% |
| Admin fee / account holder | $1,087 | $4,535-76.0% | $5,960-81.8% | $5,306-79.5% |